Within this week the Italian Banking Association (ABI) will send a circular to all banks that contains new provisions and the model of self through which borrowers can attest that he is eligible to access the discounts on variable mortgages under the decree anti-crisis (DL 185/2008, ratified by Law 2 / 2009), the so-called “ceiling of 4%.
The modules will soon be available in bank branches or directly downloaded from the website www.abi.it and are intended only for those borrowers not included in the lists submitted on March 11 by the Inland Revenue to individual banks (by mistake or because the loan was contracted between January 1 and October 31, 2008). For all others, to the State aid is automatic and requires no self-certification.
The document, which technically is a statement affidavit made pursuant to Presidential Decree 28 December 2000 No 445, must include the generality (or co-holders), the directions clearly identify the loan agreement and the characteristics that allow access to the benefit of State: rate is not fixed, the date of conclusion or assumption made before 31 October 2008; purpose of acquisition, construction or renovation of housing outside the main land categories A1, A8 and A9 (mansions, villas and castles).
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